As I mentioned a couple weeks back, the road to wealth is often paved with potholes, roadblocks, stinky piles of gunk and confusing forks in the road.  And guess what?  Most of those potholes and roadblocks are external reflections of your own internal gunk.

One of the major differences between those who experience consistent growth both personally and financially and those who are stuck is the concept of taking personal responsibility.

Let’s look at some common ways this may present in your life:

1. You feel as if you are under appreciated by people around you.

2. You are angry that the coaching program you joined is not providing the results you believed you would receive.

3. Things seem to keep happening to you, such as speeding tickets, car accidents, or the loss of prized possessions.

4. Your phone is not ringing as much as it should.

5. You repeatedly get into fights or little disagreements with friends or family.

You could look at any one of the situations I listed and come up with a reason that these things are happening that have nothing to do with you.

For example, you could say that you are under appreciated by people around you because your friends, kids and family are naturally ungrateful.  Or you could say that the coaching program you joined isn’t working because your coach isn’t any good.  Or that the car accident was because of the idiot who didn’t look where he was going.  Or that your phone isn’t ringing because of the economy.  Or that the fights and disagreements you are getting into are their fault.

It sure is easy to find external reasons for everything happening in your life, isn’t it?  But it’s only seems easier.  It’s really not because there is never any resolution.  These things will continue to happen until you learn the greater lessons they carry with them.

Begin looking for the real reason these things are showing up for you.  Every situation has a personal lesson for you.  It could be that the lesson is forgiveness.  It could be compassion. It could be tenderness.  It could be that the lesson is to stop blaming and start taking personal responsibility.

If you feel under-appreciated, it could be because you are not giving yourself enough appreciation and your lesson is to learn how to love yourself more.  If the coaching program isn’t working, it could be because you need to learn how to work it.  Perhaps the car accident could have been avoided if you had gotten more sleep and your reflexes were sharper.  Maybe the economic shift is happening so you can learn a new way to market your business.  And it could be that the fights and disagreements with your family members are there to show you what you do and don’t want in your life.

Taking personal responsibility may feel difficult at first, but truthfully it’ll make our life a whole lot easier because it will ultimately allow you to build the supportive community that you need to take your life to a higher level.

So, how do you start?

Begin to notice any time in the next week that you are feeling unhappy about something and looking to someone else other than yourself for the resolution.  At first, simply notice it and become aware. Don’t beat yourself up about it, simply notice.

Then, once you’ve been noticing for a while, you can begin asking yourself – what does this have to teach me? Or what’s here for me? Or what is trying to emerge from this situation?

Write down the answers that come and begin to look for patterns and old habits that are ready to be shed as you step into a new, whole version of yourself that knows that everything happening around outside of you is simply a reflection of everything going on inside and all of it has a vitally important lesson for you.

The road to wealth isn’t always lined with sweet smelling roses and crystal clear paths on which to travel.   In fact, I’d say it’s exactly the opposite.  In my experience, the road to wealth has been paved with potholes, roadblocks, stinky piles of gunk and confusing forks in the road.

Nice imagery, eh?  But, it’s true, wouldn’t you agree?  In fact, I’ve yet to meet one truly wealthy person who has said to me “oh no, it’s been a breeze.”

The truth is that life happens and very often the circumstances that confront us along the path through life (especially if we are not willing to settle for mediocre) may appear to be less than ALL GOOD.

For example, did you know that many people who are super wealthy today have experienced personal bankruptcies in the past?  Here’s a list of famous people who have been through bankruptcy.  And of course, there’s Donald Trump, Mark Victor Hansen and Bill Bartmann too, each of whom have bounced back from the brink and come back better than ever.

My point is NOT to tell you to court bankruptcy – not at all, it’s to help you see the ALL GOOD in something even as painful as that.

If there’s one common denominator among all the truly wealthy people I’ve met, it’s that they manage to find the ALL GOOD in every circumstance, even something as apparently bad as a bankruptcy, foreclosure, business closure, or even divorce.

How do they do that and most importantly, how can you?

The key is to be able to step back out of your current circumstances and see the bigger picture.  For example, let’s say you are facing foreclosure of your home or your business going under, what would happen if you looked beyond your immediate circumstances and instead saw beyond what you can see right now?

You might see that losing your business is the best thing that could ever happen.  Perhaps, it’s this loss that will teach you what you need to know to go on to build the most phenomenal business that will impact millions.  Or maybe giving up your home is what’s necessary for you to discover how to make the right decisions going forward for your family.  Or it could be that whatever is happening right now in your life will force you to ask for help in a whole new way and you’ll meet the person who changes everything for you.

Accept that you may not know what’s coming and, in this moment, have faith and trust that whatever is happening right now in your life is ALL GOOD and for your highest good and take action from that place.  When you do, true wealth is right around your corner.

Because it can sometimes be hard to see it in our own lives, this famous zen story may help bring it home.  Enjoy!

There is a Taoist story of an old farmer who had worked his crops for many years. One day his horse ran away. Upon hearing the news, his neighbors came to visit.

“Such bad luck,” they said sympathetically.

“We’ll see,” the farmer replied.

The next morning the horse returned, bringing with it three other wild horses.

“How wonderful,” the neighbors exclaimed.

“We’ll see,” replied the old man.

The following day, his son tried to ride one of the untamed horses, was thrown, and broke his leg. The neighbors again came to offer their sympathy on his misfortune.

“We’ll see,” answered the farmer.

The day after, military officials came to the village to draft young men into the army. Seeing that the son’s leg was broken, they passed him by. The neighbors congratulated the farmer on how well things had turned out.

“We’ll see” said the farmer.

You don’t have to wait and see. In this moment, become aware that whatever is happening is ALL GOOD. You may not see it now, but breathe through it now and when you look back upon this time of your life, you may just find it was the time of greatest growth and opportunity to bring you towards more wealth.

One of the most profound differences between those with wealth and those without is the ability to engage in direct, honest and straightforward communication.

Until you’ve mastered the art of saying what you mean and meaning what you say in a loving manner to those around you, your wealth will never reach its full potential.

You can’t build a community or support network if you can’t communicate directly and you need a support community to have wealth.  If you need a refresher as to why you need a community to build wealth, please see part one and part two of our series on creating a loving and supportive community.

So many misunderstandings, stress and, for lack of a better word-drama-can be resolved by simply communicating what you really want.

Yet before you take this as a license to be brash and rude and simply spew all over people in the name of “direct, honest and straightforward communication,” I need to make it clear that your communication must be thoughtful and loving.  The objective is to build up the strength of your community, not tear it down in the process!

So with that said, let me give you a few examples of what direct, honest and straightforward communication looks like because it may not be what you think:

Example 1: You’re feeling ignored or neglected in a close relationship:

Wrong Approach: You get angrier and angrier with your friend, but instead of talking to him or her you go to a third person to discuss it or make up stories in your own mind about why your friend is acting like this to you and eventually you begin to retaliate in little ways.

Right Approach: You privately sit down with your friend and share how you’ve been feeling using “I” statements, such as:  I really care about our friendship and I’m sad because I feel as if you have not been giving our friendship/relationship the attention I want.

Yes, having this kind of a conversation can be a little scary.  But, if you want to strengthen and deepen your relationship you will do it because you care more about the health of your relationship than your own fear, pride and ego.

Example 2: An overly needy friend or relative is sucking you dry and preying on your kindness and willingness to always say yes:

Wrong Approach: You keep saying yes to their every request because you just can’t bear the thought of hurting their feelings or letting them down.  Then, you begin to feel resentful, but you still keep saying yes until finally you snap.

Right Approach: You privately talk with your friend and let her know you truly appreciate her friendship and value her in your life.  Then, using “I” statements, you tell her how you are feeling.

For example:  I am having a difficult time saying no to you because I love you so much. But, by saying yes to everything you ask, I am not honoring myself, so for now on, I’m only going to be able to [fill in a boundary that you can set and keep].

Example 3: A co-worker isn’t pulling his weight on the job and you’re fed up with the extra stress.

Wrong Approach: You let yourself get so mad at the co-worker and your boss for not doing anything that you begin to think about quitting your job, even spending a good portion of your day surfing the internet looking for other jobs.

Right Approach: You have a private and honest conversation with your co-worker letting him know that while you like him as a person and you enjoy working with him, you are exhausted picking up the extra slack and will have to talk to the boss if you can’t resolve the work load between the two of you.

For example, you might say: “John, I like working with you, but I’m feeling overwhelmed here at work and need more assistance from you.  Specifically, I need {list out 3 ways John can support you.}  Can you do these things or should I talk with {boss} to work out something that will get us both the support we need?

Now I’ll be the first to admit that walking in direct, honest and straightforward communication isn’t easy.  Sometimes we can’t even figure out what we want-let alone communicate those desires to others!

So rather than pressure yourself to make a change this week, just start by noticing those situations where you are not being honest with your feelings or saying what you really mean. Put some space around it and just sit with it for a while.  Eventually, you’ll get clear on the situation and start to move ahead with direct, honest and straightforward communication.

When that day comes, you’ll begin to notice deeper and more meaningful relationships with those you love as a result.

We’re continuing our series on community this week.  In the new economy, developing cooperative communities in both work and life are going to be the key to your wealth.

• There can be no vulnerability without risk; there can be no community without vulnerability; there can be no peace, and ultimately no life, without community. - M. Scott Peck

• If you were all alone in the universe with no one to talk to, no one with which to share the beauty of the stars, to laugh with, to touch, what would be your purpose in life? It is other life, it is love, which gives your life meaning. This is harmony. We must discover the joy of each other, the joy of challenge, the joy of growth.- Mitsugi Saotome

• We don’t accomplish anything in this world alone … and whatever happens is the result of the whole tapestry of one’s life and all the weavings of individual threads from one to another that creates something.- Sandra Day O’Connor

If you look at wealthy people and celebrities, they are often mocked for the entourage they carry with them. But, if you can look beyond the surface for a moment what you’ll see is that the entourage is a support community.

You don’t have to be uber-rich or a celebrity to deserve, want and, yes, even need your own entourage.

When created with awareness, it’s the entourage that will provide the support you need for you to have the life and business you want.  On the flip side though, the entourage could also potentially drain the life out of you.

As you grow in wealth, you will very likely attract people who are hangers-on, black crabs (you know those crabs that when you put them in a bucket, they try to pull each other down), and energy vampires.  That’s why the first tenet of creating your support community is to set open-hearted boundaries that are clearly communicated to those around you. (To read all of the tenets, check last week’s article.)

Let’s break this down into three steps:
1. Identify your boundaries
2. Discover how to communicate them and
3. Communicate in a clear, loving and direct manner

When you’ve practiced these three steps enough (and yes, they do take practice), you’ll find freedom from the stress, frustration and exhaustion that you are very likely experiencing right now.

You’ll never again bite off more than you can chew because you “feel bad saying no”, get overwhelmed or continue to let people suck you dry emotionally, spiritually or physically to the point you are worn down, disillusioned and bitter when it’s all because you didn’t speak up in the first place.

Instead, you are going to get very clear on your values and what’s important to you and those values will guide your boundaries.  Then you’ll make a commitment to stick to those boundaries.

Yes, there’s going to be some things that come up when you do.

People who are used to hearing you say yes all the time or bend over backwards to support them are going to get a little bent out of shape.  It’s okay, they’ll bend back into shape.

As you learn to stick to your boundaries and follow your heart, the people in your community will respect you more because they’ll know you as a person of your word.  They’ll know you mean what you say and when you commit to something, you’re 100% behind it.  And when you say no with love, it’s because you love yourself and you love the person asking enough not to give them the leftovers of your time, emotions and sanity.

So make a decision to get clear about your boundaries this week and begin to lovingly and with an open heart share them with the people in your life when they are in danger of being crossed.

We’ve all heard the quote, “It takes a village to raise a child.”  Today, I’m presenting to you the idea that it  not only takes a village to raise a child, but also to nurture and empower a successful, satisfied and happy adult.

Whether you seek material wealth, emotional wealth or spiritual wealth, you must learn to foster and embrace your own support community to reach the highest of heights on your journey through life.

The word “community” may look or feel differently for each person reading this article depending on your individual goals, but the fact remains that regardless of what it looks like, we each need a support system to help us when we are overwhelmed, uplift us when we are down, lend a word of wisdom when we are attempting to choose our path and rejoice with us—even over the little things - if we want to experience true wealth in every area of life.

The reciprocal is true in that we must also learn to meet the needs of others who can’t achieve their life’s purpose unless we step up and become part of their vital community.
One of the greatest gifts that this “economic crisis” has given us is a new paradigm of community living and support.  We are finally recognizing that we cannot do it alone. Community and collaboration are the order of the day.

You will either learn to live in and create community or find yourself falling behind.  With that in mind, I present several tenets of creating community.

• Open-Hearted Boundaries Clearly Communicated
• Direct, Honest, Straightforward Communication
• Take Personal Responsibility for Your Own Feelings
• Give Everyone the Benefit of the Doubt
• Don’t Take Anything Personally

Over the weeks to come, we will delve into each of these tenets much more deeply, but between now and then I ask you to watch for these opportunities in your own life.  Make a mental note of where you are allowing your boundaries to be crossed, not communicating directly or blaming others for your feelings, and where you are jumping to conclusions or taking things personally.

There is no action to take now other than awareness.

Do you take things personally that may have nothing to do with you?  Do you  avoid deep relationships because of your pre-conceived notions about the way things “should” be?  Or maybe you’re a people-pleaser and struggle to engage in direct, honest and straightforward communication because you are afraid to hurt someone’s feelings?

All of these attributes will directly affect your ability to foster a core network of community and will have a direct negative impact on your overall wealth.

For now, simply become aware.  There’s nothing to do other than notice.

Next week, we’ll cover what to do with those observations and how to create the support system necessary to have the deep and fulfilling life you really want and deep down know is possible.

Whether you own a national enterprise or a small “mommy business” for side cash, I’m sure you’ve noticed that growing your business isn’t as easy as it used to be.

For some of you, clients and sales have slowed down.  For others, business has come to a screeching halt.

And I’m sure you know at least one person (maybe a client, customer, friend or even family member), who is going through bankruptcy or foreclosure.

Yet here’s the interesting part of it all-there are MANY small businesses passing the six and seven figure mark every single day.

Why is that?  What sets these small businesses apart from the ones that are crumbling under the economic pressure right now?

I’ll tell you EXACTLY what’s going on and how “underdog” business owners are kickin’ butt even in times of trouble.

Some call it a shift to right-brain thinking (a la best-selling author Daniel Pink) and for some it’s a shift back to the relationship and reputation factors that once skyrocketed mom-and-pop shops into national and international success.

I call it the Triple X-Factors.

To be more specific, I’ve identified what makes the difference between businesses that are thriving from those that are merely surviving right now.

Without revealing too much of what I’ve discovered (because I’ll be covering this topic on a no-charge teleseminar Wednesday, September 10 at 3:00 PM ET/ 12 PT and it wouldn’t be fair to my guests!), here’s some “inside information” for you to get started with:

1.  Be known as the REAL eXpert in your industry-   This means discovering how to really hone your message and talk about yourself in a way that leaves no doubt YOU are the expert in your community and the “go to guy” or gal.   To do this, you must really KNOW your target market and learn how to satisfy their ‘pain’ or needs using your services.  You must also be willing to get into the very core of their being and reach them on a deeper/ more intimate level than ever before.

2.  Create a WOW eXperience- Again, the days of throwing your message out there and hoping it sticks is OVER.  To succeed in this shifting economy, you have to give you clients a WOW eXperience that they’ll never forget.   Admittedly, this WOW eXperience will look different depending on what industry you are in, but the main strategies of storytelling, interactive meetings and attention to fine detail will remain the same.

3.  The Transformational Power of eXcellence- Having knowledge only gets you so far.  What really sets successful business owners apart right now is the transformational power they acquire when integrating excellence into every element of their operations.  This means delivering excellence in everything your business touches, shoring up the foundation of your business so that excellence begins from the roots up and integrating excellence into your business to attract top-notch team members.

But do you want to know the most exciting thing I’ve discovered about the X-factors above?

Anyone can do it!

Remember, I’m telling you this as a LAWYER.  Having a Ph.D, MBA, JD, etc. isn’t the sole determining factor of your success anymore.  Instead, the qualities that were often brushed aside in school (like your ability to tell stories, be a visionary, create art or music, etc)  is what’s going to set you apart from those struggling to get by right now.

You just have to learn how to tap into it.

If you’re not sure how to do that, I invite you to attend my no-charge teleseminar on Wednesday, September 10 at 3:00 PM ET/12 PT entitled : Triple X Factors “The Critical Success Blueprint for Small Businesses Who Want To Move From Surviving To Thriving …Regardless Of Economic Conditions.”

In the meantime, start thinking about what these X-Factors would look like in your own business and how you can tweak your current mindset and marketing strategy to reflect these integral qualities in your day-to-day operations.  Just start with small shifts and prepare yourself for even bigger ones that we’ll address on the call!

Becoming a parent is the ultimate step into adulthood.  It simply doesn’t get more real than that, does it? That little face looking up at you makes you realize that life isn’t just about you anymore.

Suddenly, you are responsible for the well-being and care of a little person who is totally reliant on you.  And in some ways, this new “mini-you” that has come into the world makes you feel immortal.

On the flip side though is the lurking thought “what will happen to mini-me if something happens?”  If you are like most people (69%), you push away the thought because it’s too scary to contemplate your child being raised by anyone besides you.

But, here’s the thing … if you aren’t willing to take the time and invest the energy in setting things up for your little one (and her mom) the right way, you will leave your family with a world of hurt if something happens to you.

The good news is that setting things up the right way and doing the right thing by your family doesn’t have to be as painful as you think it will be.  If you are in the know about what you need and how to get it taken care of, getting your personal affairs in order can even be downright enlightening.

Let’s start with the bare minimum of what every dad needs to have in place to make life as easy for his kids and their mom if anything happens.

Click here to continue reading ‘The Five Legal Documents Every Parent Needs and How to Make Sure They Don’t Fail”

It’s my passion to study the thought and business leaders who have achieved great success in this world. The more I study, the more I’m convinced that a spirit of excellence is the common denominator in creating a legacy that lasts for generations to come.

Take a moment and think about the following quotes:

• Be a yardstick of quality. Some people aren’t used to an environment where excellence is expected.- Steve Jobs
• Excellence always sells.- Earl Nightingale
• Excellence is an art won by training and habituation. We do not act rightly because we have virtue or excellence, but we rather have those because we have acted rightly. We are what we repeatedly do. Excellence, then, is not an act but a habit. - Aristotle
• If you are going to achieve excellence in big things, you develop the habit in little matters. Excellence is not an exception, it is a prevailing attitude. - Colin Powell
• The noblest search is the search for excellence. - Lyndon B. Johnson

Having knowledge or a bunch of letters behind your name will only get you so far.  What works wonders in your business is the transformational power you’ll acquire when you integrate excellence into every element of your life and your business.

So what does this look like and how do you do it?  Try any one or more of these:

1. Give 1000% effort to everything you do-even when it feels like no one is paying attention or your work is unappreciated.
2. Pay attention to the little details that will create a wow experience for everyone who comes into contact with your business.
3. Go beyond just “doing your best” and instead  are constantly striving to do things better.
4. If there is a problem with a customer or client, don’t get defensive, but instead validate the other persons concerns do whatever it takes to make it right-even if it costs you time and money in the process.
5. Make sure your office space is clean and looks the best it possibly can, whether you see one client each day or 1,000.

Before you know it, you will notice that people begin to treat you better, more starts to happen in your business and most of all, you will feel great about what you offer to the world.

Your services will be unshoppable as customers realize the value of your business over the local competition.   Nor will people hesitate, or be afraid to do business with you because they know you’ll stand behind their satisfaction, even if that means giving a full refund or stepping in personally to ensure the job is done right.

Not to mention the word-of-mouth buzz you’ll develop for being a person or a business of excellence will take you further than any traditional marketing campaign ever could!

So I encourage you to evaluate where you are compromising and accepting less than excellence in your business and life.

Make a commitment to step up your game in this area-no matter what the cost.  If you do, I promise you’ll be blown away at the growth and satisfaction you experience as a result.

Another story of failed legal planning hit the news this week, as a single mother from California died during the birth of her fourth child leaving behind four little ones and no guardianship directives.

To complicate things further, the father of these children is not (and has never been) in the picture to claim responsibility. So fearing the kids would end up separated in the state welfare system, a neighbor (who also has six children of her own), stepped up to the plate. And thankfully the Los Angeles community has stepped up to the plate by donating diapers, clothing, food, etc. for the now mother of 10.

But in most cases, stories like this one don’t have such a happy ending. The sad reality is that children are placed in situations their parents would’ve never have dreamed possible because they didn’t take the time to plan ahead in the case of their unexpected death or incapacity.

Let this be a wakeup call for you.

There are three simple things that could have been done differently to ensure these kids were taken care of upon their mother’s passing. And if you have little ones at home counting on you, I urge you take these steps now to ensure a legacy-and not regrets-are what you leave behind:

1. Get a Term Life Insurance Policy- For a small amount of money each month, this mother of three with a fourth on the way could have been paying for a life insurance policy so that her children were provided for financially should something happen to her (especially knowing that their father was not in the picture and would not contribute to their care financially). Because she did not have life insurance in place, her children are now forced to rely on handouts and charitable donations from neighbors until they are old enough to support themselves.

2. Name Short-Term and Long-Term Guardians- While this story “seems” to have a happy ending with the neighbor stepping up to raise the four children and keep them all together, will she really be able to manage raising ten children? Maybe there was another friend or a family member who would have raised these kids EXACTLY as their mom would have wanted, but we’ll never know because she didn’t document her choices for her kids’ care.

3. Create a Legacy of Non-Tangible Assets- This mother unexpectedly died during childbirth. Because of this, her newborn baby will never hear the sound of her voice or know firsthand what her mother’s values were or how she would have guided her about things like spirit, money, discipline, education, sex, or health care. As parents, even if you don’t have any money to leave behind, you can leave your children a gift of your values - who you are and what’s important to you. You can do that for free by writing letters or recording a CD for your children. If you work with a Personal Family Lawyer®, this is just part of the legal planning process and becomes a gift that is far greater than all the money in the world.

Ideally, the best way to ensure the well-being and care of your family is to meet with a Personal Family Lawyer®-but if that’s not feasible for you at the moment because of time or financial constraints or because there isn’t one in your neighborhood, I’ve given you steps you can take in the interim. My number one suggestion is to grab a Kids Protection Planning Kit and a digital recorder or a video recorder. The Kids Protection Planning Kit will walk you through the legal documentation process and even has forms you can complete to leave instructions to your guardian. But, even better than writing them out, speak them. Leave your kids an audio or video message from you - that’s truly priceless.

Regardless of how you chose to go about it, take the time to get your affairs in order while there’s still time-ESPECIALLY if you have young kids depending on you at home. It’s the only way to leave behind a real legacy-instead of regrets-at the end of your life.

Take a quick inventory of your wallet.  How much of your “wealth” is in there?

If you’re like most people, you have a few credit cards, a small amount of cash and your driver’s license.

But what about wealth as it relates to your kids, your pets and keeping everyone in your family safe and secure if you are in an accident?  Is that covered in your wallet?

It should be.

This isn’t a trick question and the solution to protecting your “wealth” as it relates to your loved ones is so much easier than you think.

Essentially, you must carry a card in your wallet that gives medical or emergency personnel instructions about the children, pets or other dependents waiting for you at home and who to call in the event of an emergency in which you cannot communicate.

Let me give you an example so this is crystal clear.

You go out to run errands and leave your children at home with their teenage babysitter.  On the way home, there’s a car accident and you cannot communicate.  Based on your wallet, the police have just enough information to ID you, but they have no idea you left your little ones at home with a babysitter and their father is out-of-town on business.

After a few hours, the babysitter begins to worry. She calls her own mother for advice—who suggests calling the police because you haven’t come home yet.  The police arrive and confirm that yes, you’ve been in an accident and asks the babysitter if she knows anyone in your family who could come be with the children.

But, your babysitter only knows your neighbors.  And the authorities won’t leave your children with the neighbors because there isn’t any written authorization from you to do so.  Instead, they call in social services to figure out what to do.

By now your kids are very scared, upset and have been put through hours of unnecessary worry because there weren’t proper directions left for them to be cared for by someone you know and trust in the event of an emergency.

Is this what would happen if you were in an accident?

Or maybe you don’t have children at home, but you do have pets that you consider your babies.  If you’re in an accident, are there clear instructions in your wallet that describe your pets and who should care for them in case of an emergency?  If not and you are in an accident, your pets could remain alone and uncared for because no one knows they are there waiting for you.

All of this is so easy to prevent.

Take a few minutes and put a card in your wallet that tells emergency personnel how to care for your family members should something happen to you. It doesn’t need to be fancy—but it should be just enough to protect your most important and valuable “wealth” in the event of an unexpected emergency so strangers are not making decisions on your behalf.

And don’t forget that we have a great and affordable resource if you need help putting a “legal bubble” around your loved ones.  For this week only, our Kids Protection Planning Kit (which also contains personalized cards for your wallet and medical power of attorneys) are 75% off for your convenience.  For more information or to order the kit, go to http://www.kidsprotectionplan.com/specialoffer